The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$56,170
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,917
−HK$1,775/mo
Today · 4.125%
HK$59,692
baseline
▲ 0.50% · 4.625%
HK$63,324
+HK$3,632/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$119,384/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,488
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,164
−HK$1,700/mo
Today · 4.125%
HK$65,864
baseline
▲ 0.50% · 4.625%
HK$69,336
+HK$3,472/mo
Deposit HK$12.32M · loan HK$12.32M · min. income ≈ HK$131,728/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,046,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,404
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$69,500
−HK$2,131/mo
Today · 4.125%
HK$71,631
baseline
▲ 0.50% · 4.625%
HK$75,989
+HK$4,358/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$143,262/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,986
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,997
−HK$2,040/mo
Today · 4.125%
HK$79,037
baseline
▲ 0.50% · 4.625%
HK$83,203
+HK$4,166/mo
Deposit HK$9.85M · loan HK$14.78M · min. income ≈ HK$158,074/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,046,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,638
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,084
−HK$2,485/mo
Today · 4.125%
HK$83,569
baseline
▲ 0.50% · 4.625%
HK$88,654
+HK$5,085/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$167,138/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,484
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,830
−HK$2,380/mo
Today · 4.125%
HK$92,210
baseline
▲ 0.50% · 4.625%
HK$97,071
+HK$4,861/mo
Deposit HK$7.39M · loan HK$17.24M · min. income ≈ HK$184,420/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$1,046,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,106
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$104,251
−HK$3,195/mo
Today · 4.125%
HK$107,446
baseline
▲ 0.50% · 4.625%
HK$113,984
+HK$6,538/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$214,892/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,479
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$115,496
−HK$3,060/mo
Today · 4.125%
HK$118,556
baseline
▲ 0.50% · 4.625%
HK$124,805
+HK$6,249/mo
Deposit HK$2.46M · loan HK$22.17M · min. income ≈ HK$237,112/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$1,046,908 · Scale 2, in force from 26 Feb 2026)